THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and as protection for members during times of economic trouble for the credit union. It follows then that when it comes to measuring an a credit union's financial strength, capital is useful. When looking at safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, INSPIRE received a score of 6 out of a possible 30 points, failing to reach the national average of 15.65.
INSPIRE appears to be weaker than its peers in this area, with a capitalization ratio of 6.00 percent in our test, less than the average for all credit unions.